About Abound We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation. And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch. Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us. ABOUT THE ROLE We're expanding access to affordable credit by launching credit products that make a real difference to customers. We move quickly, often with leading fintech, consumer and e-commerce companies, so that we can offer affordable credit at the right point in the customer journey. We work in a highly regulated environment, so our products have to work end to end from day one: technically, operationally and commercially. As a Product Associate, you'll work across product, data and commercials. You'll dig into how our products perform, from funnel conversion to loan-level unit economics, and turn what you find into ideas for how we scale, improve margins and grow. You'll work hands-on with data and code, alongside Product Managers, Engineering, Credit and Operations. You'll help decide where the product goes next, as well as how we ship it. This role is for top-tier STEM or Economics graduates who think like analysts, build like engineers and care about the P&L like owners, and who want to progress to Product Manager at a fast-growing, industry-leading fintech. WHAT YOU'LL BE DOING Product analytics & insight - Own analysis of product performance across the full funnel: traffic, applications, approvals, conversion, originations, repayment and credit outcomes - Build and maintain the dashboards, metrics and data models that Product, Credit and Operations rely on - Form sharp hypotheses, design experiments (journey changes, pricing, A/B tests) and measure the impact rigorously - Get to the root cause of anomalies quickly, whether the cause is in the data, the code or the customer journey Unit economics & commercial thinking - Model the economics of each product: acquisition cost, approval and take-up rates, pricing, funding cost, expected loss, servicing cost and lifetime value - Put numbers on the trade-offs behind product decisions, such as wider approval versus higher losses, or partner revenue share versus volume - Track contribution margin and cohort profitability by product, channel and partner, and show where we make or lose money Growth & product strategy - Come up with ideas for scaling and growing from where we are today (new segments, channels, products and pricing) and estimate what each one is worth - Look across our products and partnerships for places where they reinforce each other: cross-sell, top-ups, repeat lending, shared customers and shared data - Help evaluate new partner opportunities and build the business case, covering volume, economics, integration effort and risk - Turn the strongest ideas into clear proposals and see them through to launch Building & shipping - Use AI coding tools to build and ship product end to end, across both front-end and back-end, from quick prototypes to features that go live - Build internal tools, automations and data workflows that remove manual work and help the team move faster - Be proficient with our analytics stack: build dashboards in AWS QuickSight and track funnels, events and experiments in PostHog - Use SQL and Python every day to pull, model and analyse data - Learn how our APIs, decisioning flows and data pipelines work, and work directly with engineers on specs, testing and release validation - Support Product Managers with discovery, delivery and partner onboarding Launch readiness & operations - Define success criteria for each launch and the metrics that show whether it's working - Design test scenarios, including edge cases and failure modes, and test the end-to-end customer journey before release - Work closely with QA to make sure production releases are stable - Monitor production performance after release, and pick up and triage related bugs with engineering - Make sure new products and journeys work at launch for customer support, collections and complaints teams - Use operational data to spot recurring issues, fix them at the source and make sure they're closed out, not just discussed WHO YOU ARE - A top-tier STEM or Economics graduate (computer science, engineering, mathematics, physics, economics or similar) - 0–2 years of experience, including internships, placements or early-career roles with real responsibility - Strongly analytical and confident with SQL and Python, able to go from raw data to a clear recommendation - Able to build with AI. You use AI coding tools (e.g. Claude Code, Cursor) to ship working front-end and back-end code, and you've built things, whether side projects, hackathons, internal tools or production apps - Hands-on with analytics tools such as AWS QuickSight, PostHog or similar BI and product analytics platforms - Commercially minded. You naturally ask how something makes money, and you enjoy modelling unit economics, pricing and P&L - Strong product sense. You have opinions on the products you use, why they work and how they could grow - A structured problem-solver who can break down messy, real-world problems - A clear communicator who can walk an engineer through a model and make a recommendation to leadership Nice to have: an interest in consumer credit, lending, payments or fintech; experience with experimentation and statistics. HOW YOU WORK (AND WHAT WE VALUE) - You think like an owner, of both the customer outcome and the commercial outcome - You'd rather build a quick prototype or run the numbers than debate in the abstract - You follow through until problems are actually solved - You're comfortable with ambiguity and don't wait for perfect instructions - You speak up when something doesn't make sense, and you help fix it - You put in extra effort at key moments, such as launches and live incidents, knowing that's where the real learning happens PROGRESSION & GROWTH This role is a stepping stone to Product Management, with a clear progression path. As a Product Associate, you'll be expected to: - Build deep knowledge of our products, data and commercials - Consistently own problems end to end and deliver measurable business and customer impact - Show strong judgement, data-driven thinking and stakeholder management High performers will progress to Junior Product Manager as they begin to: - Own a product area or metric independently, including its commercial performance - Lead defined workstreams within launches or partner integrations - Originate growth ideas that make it onto the roadmap and deliver results Progression is based on impact and ownership, not time served. WHAT WE OFFER - Everyone owns a piece of the company: equity - Hybrid working, with 3 days a week in the office - 25 days' holiday a year, plus 8 bank holidays - 2 paid volunteering days per year - One month's paid sabbatical after 4 years - Employee loan - Free gym membership - Team wellness budget to be active together: set up a yoga class, a tennis lesson or go bouldering

Product Associate

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